Will your insurer include it in your house and contents insurance?
Just don't tell them it was stolen off the beach or from your car.

Don't know about physical injury. Maybe you could get income protection insurance in case you are too injured to work.

Joining one of the associations (eg. NSWWA) will get you public liability cover for when you have to run over bogan inbred westies on lilo's at Gerroa during summer.

I think they decided they didnt want to insure you when you told them your name was Crash Landing

try 'club marine' not entirely certain what they will cover but worth a call.

quote:

---

Originally posted by Greenroom

I think they decided they didnt want to insure you when you told them your name was Crash Landing

---

Yeah good point. I should stop filling in forms with my forum name!

Mark, I used to have that sort of insurance in the UK, it was good. They insure any windsurf kit that was locked but not if it was stolen at night from a van. Over in the UK you always hear/get told you should have a million pounds liability cover. They also replace broken kit it you can make it look like someone drove over it in a carpark! Nice.

here my 5 cents.

I had my car stolen from the beach a few years back. The thiefs took sails, boards, kite gear you name it.

Insurance for both the car and home contents was NRMA.
Sporting equipment was listed under home content insurance.

This was their response:
1) we cover the car to the full insured value
2) we cover the contents of the car not listed under your car policy upto $300
3) we don't cover your windsurf or kite equipment because these are listed under your home contents insurance, as they are removable items you should have listed them as such to be insured off premises. This however will incure a higher insurance premium.

I ended up getting the car back after police found it at a robbery. I also got some of the windsurf gear back becaues the crocks dumped in a lane way in Marrickville and a cafe owner was nice enough to hand it into the police. They tracked me down because one of the board bags had my addresses written on it with permanent marker. The gear worth about $4.5 k was gone.

My advise would be to try out an insurance broker. You might pay a 5% premium but they can provide a package which covers your needs.

Also, mark all your belowing with some form of marker. Police recommends the first number/ letter of your license and the first number/ letter of your passport.

List every single high value item with serial number, replacement value and copy of reciepts with your insurer. This will make disputes easier.

Also, in my experience QBE seems to be willing to insure higher risk items. IE. I have a 365 days world wide business travel insurance with them which covers laptops and camera equipment upto $15k left in parked cars. Everyone else either didn't cover theft from cars or only to a value of $1.5K.

To everyone reading this. Let's help out our fellow sailors and simply don't buy used gear unless we know the person is actually a sailor. Our sport is relatively small in Australia and we know most people in our area. If you see or hear of someone offering an unbelievably cheap to good to be true deal report it in this forum. I think most people know who had what stolen when.